I have started using vinegar and baking soda for basic cleaning. Generally I spread baking soda of the grime and then soak a rag in vinegar. When the acid of the vinegar comes in contact with the baking soda a chemical reaction ensues which works very well for cleaning (for extra effect heat the vinegar). [...]It is much more gratifying to say “I did that” than “I paid for that.”When I went sailing on the bay for the very first time, the skipper told me two things: First, don’t get hit on the head with the boom: You’ll either die or you’ll wish you died. Second, if you fall overboard, remember to hold your breath before hitting the water. Otherwise, the cold water will [...]According to wiki, a normal ten minute shower uses as much as 60 gallons of water. This means that the water tank of an boat or an RV(*) will be exhausted after a single shower. Therefore we’ll have to adopt to some kind of Navy shower. The thing I don’t like about Navy showers is [...]Okay, so maybe I am not the best person to answer this given that I never had any debt, like at all(!) But there are plenty of people out there who are in debt and wants to get out of it, and occasionally I also get the random question about it, so I figured I [...]Consumers are widely recommended to contribute around 15% of their paycheck to a retirement plan. The question whether to pick a ROTH IRA or a traditional IRA does not have a definite answer. For instance, it depends on whether one’s future [retirement] income is expected to in a higher tax bracket (ROTH) or a lower [...]
The SF 50 is the official form the government uses to compute your federal retirement. Learn the importance of reviewing your SF50 forms and what to look for. In other words, do all the promises of a better life hold up? First, let’s consider the traditional lifestyle, so you can understand what I mean by the word robust. Traditionally, you’re supposed to work on maximizing your SAT scores, so you can get into a good college. There you will take on student debt [...]Adolescents have a sense of die-hard immortality that comes from having given no thought to their future. I realized that I wasn’t immortal when I was 21-22. This implied the full realization that my life span was finite although I hadn’t yet reached the sense of time that I have not that “old” people frequently [...]Soon the sheeple and the bears were worrying about an imminent downturn, but that was not the end of the story as supply had not gotten permanently out of line with affordable demand. After a brief correction in the green paint manufactoring industry, new sheeple were ready to take on economic risk spurred on by [...]This is an interesting challenge which I believe I could do if I had to. To reiterate: This posts shows what I would do. As always, I am not you, and it is your responsibility to decide whether you want to and whether you need to hire a certified financial professional to consult before following [...]Profits in the land continued to erode and businessmen began to realize that without increased consumption it would be impossible to support the excess factories and the massive amount of debt they had taken on. The government tried to help by given everybody some money, but most just paid off some of their debt postponing [...]Thoughts on contingency and what could happen… Before we moved we used to live in a middle class neighborhood. Okay, so everything is considered middle class these days, so to be more accurate, this was considered a blue collar neighborhood in one of the highest income mid-sized towns in the US. Home prices ranges from [...]If I may … It seems that certain people take issue when certain other people decide to opt out of the “popular choice”, here, a lifetime spent working for the sake of accumulating stuff, in other words, a typical career. One of the most common complaints can be traced to the first half of the [...]When I started the blog I debated what would make for a good blog name. One of the names considered was “Extreme Early Retirement” but I found that that name had already been “parked”. Early Retirement Extreme was free though and ERE also made for a better acronym than EER. In retrospect, here slightly more [...]
Have you heard of the FERS Supplement? Many federal employees haven't heard about this special benefit for some FERS who retire before age 62. Could this help make early retirement a reality for you?The FERS Supplement is a unique benefit for some FERS who retire before age 62. Learn about the FERS Supplement rules for Special Provisions federal employees.